Phoenix, AZ · MARICOPA County County · 2026 Population: 1,649,570 · NMLS #2827624 · AZ CMB #CMB-2016143

Phoenix, Arizona DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Phoenix, AZ Local Underwriting Snapshot (MARICOPA County County): With a 2026 population of 1,649,570, Phoenix carries an effective property tax rate of 0.55%, a median 1–4 unit investment property price of $485,000, and a median market rent of $3,500/mo. At 75% LTV ($363,750 loan amount), estimated monthly PITIA is $2,811/mo, yielding an estimated baseline DSCR of 1.25x. For 5–25+ unit apartment buildings in Phoenix, typical valuation averages $203,700/door with $1,950/mo/door market rents.

County & 2026 PopulationMARICOPA County County (1,649,570)

Effective Property Tax Rate0.55% ($222/mo)

Median 1–4 Unit Price & Rent$485,000 · $3,500/mo

5–25+ Unit Multifamily Avg$203,700/door · $1950/mo

AZ Foreclosure & SecurityNon-Judicial (Deed of Trust — 91-Day Trustee Sale) (95–115 days)

Phoenix, AZ Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $485,000·Loan/Door: $363,750·Avg Rent/Door: $3,500/mo

Property Value / Purchase Price$485,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,500/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 129 bps · 7500 bps LTV · 6625 bps Rate

1.29x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$363,75036,375,000 _cents

Monthly P&I Debt Service$2,329/mo@ 6.625% Note Rate

Total Monthly PITIA$2,721/moTax: $222 · Ins: $170

Net Monthly Cash Flow+$779/mo$9,345/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,721/mo	1.29x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,782/mo	1.26x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,514/mo	1.39x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Phoenix, AZ Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Phoenix (MARICOPA County County, AZ) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

Arizona Statutory Security Instrument: Loans in Phoenix (MARICOPA County County) are secured via Deed of Trust (Power of Sale) under Arizona's Non-Judicial (Deed of Trust — 91-Day Trustee Sale) framework (95–115 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..